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Employment Practices Liability insurance

Coverage for claims made by employees and employment-type claims.

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EPLI helps mitigate the financial risks associated with employment-related types of claims.

Businesses and industries can be significantly impacted by employment claims ranging from sexual harassment, discrimination, and other questionable employment practices. These claims can easily disrupt operations, damage morale, and cause reputational harm to your business.

SECURA’s EPLI insurance can help protect your business from costs associated with these types of claims.

Features of EPLI

Defense costs

How your Liability coverage defines defense costs can have a significant impact, so it’s important to know whether your policy includes compensation for legal defense outside the limits or within the limits of liability.

Defense costs inside the limit simply means that defense costs are deducted from the total policy limit, resulting in less coverage available for any settlement payout.

Defense costs outside the limit means your defense costs are covered outside the policy limits, leaving your policy limit intact for covering any settlement payout.

It’s important to discuss the differences and availability of each type with your independent insurance agent.
In addition to defense costs availability inside or outside your limit of insurance, a defense cost sublimit can be extended to losses involving allegations of wage and labor law violations that are otherwise excluded in many EPLI policies.

Claims coverage

EPLI provides coverage for claims of discrimination, harassment, wrongful termination, retaliation, and other employment-related issues.

Customizable coverage

EPLI policies can be customized to fit the specific needs of a business, such as the number of employees, industry, and level of risk exposure.

SECURA works with many types of industries, providing EPLI solutions for businesses of all sizes.

Don’t see your industry listed? Have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within eight business hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.

Common questions about EPLI

What is EPLI and what does it cover?

EPLI protects businesses from claims or lawsuits by employees alleging violations of their legal rights related to employment. Examples of alleged violations would be, but not limited to, gender, age, national origin, religion, and skin color. EPLI also applies in non-discrimination cases, such as wrongful termination, failure to promote, and wage and hour disputes.

Is EPLI mandatory?

Although EPLI is not a legal requirement for businesses, all businesses should consider purchasing it in light of the increasing number of claims and rising costs of employment practices litigation.

Why SECURA?

Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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